Thankfully, we have reached a point that we are now looking at trying to rebuild our credit. 
We filed bk in March '04 and were discharged in July. We retained our truck loan, our student loans (which are in default), and our mortgage with land payment as well. We are 2 years from paying off our truck loan, 22 payments to be specific but who's counting. LOL Our mortgage, well lets just say, I will be a grandma before that's done. Our land will be paid off in May and our student loans will come out of default this June and will be paid off in two years as well. We have been current on all of our loans since the bk and have really worked hard to live within our means and not overspend. My question is, are these existing loans and the history we are building with those payments enough to build our credit especially with some of them to be paid off in 2 years? I hate the thought of even owning another credit card and never want to charge another cent to one again if I never have to. I understand things come up but I sure would like to avoid them for the rest of my life. We get tons of credit card offers in the mail for the past 3 months and all are regular cards with low interest rates but with annual fees of $19. Am I going to have to take out one of these to build my credit again or can I avoid them all together and build myself up with my existing loans? We are not planning on financing anything for a very long time but I hate the fact that I used to have awesome credit and through my own mistakes ran it into the ground. 
Sorry this is so extremely long, just wondering what the best course of action is to take now so we look good on paper again.
We filed bk in March '04 and were discharged in July. We retained our truck loan, our student loans (which are in default), and our mortgage with land payment as well. We are 2 years from paying off our truck loan, 22 payments to be specific but who's counting. LOL Our mortgage, well lets just say, I will be a grandma before that's done. Our land will be paid off in May and our student loans will come out of default this June and will be paid off in two years as well. We have been current on all of our loans since the bk and have really worked hard to live within our means and not overspend. My question is, are these existing loans and the history we are building with those payments enough to build our credit especially with some of them to be paid off in 2 years? I hate the thought of even owning another credit card and never want to charge another cent to one again if I never have to. I understand things come up but I sure would like to avoid them for the rest of my life. We get tons of credit card offers in the mail for the past 3 months and all are regular cards with low interest rates but with annual fees of $19. Am I going to have to take out one of these to build my credit again or can I avoid them all together and build myself up with my existing loans? We are not planning on financing anything for a very long time but I hate the fact that I used to have awesome credit and through my own mistakes ran it into the ground. Sorry this is so extremely long, just wondering what the best course of action is to take now so we look good on paper again.